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just saw a story about a guy in Kansas whose car got totaled by hail, and turns out his insurance didn't cover it.

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dieselwriter57
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(@dieselwriter57)
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Hail Blankets Are a Gamble, Not a Guarantee

I get where you’re coming from. Those hail blankets look good in theory, but in practice? I’ve seen them shredded after a decent storm. Here’s how I look at it:

Step 1: Check the weather. If there’s even a hint of hail, I’m not leaving my car out if I can help it.
Step 2: If you’re caught out, find a parking garage or underpass. I’d rather risk a ticket for illegal parking than have my windshield smashed.
Step 3: Insurance is a pain, but it’s the only thing that actually covers you for the big stuff. I’ve had friends try those “miracle” covers and end up with dents anyway. The adjuster just laughs and says, “Nice try.”
Step 4: If you’re going to use a blanket, at least strap it down tight and hope for the best. But honestly, if the wind picks up, it’s probably gone.

I get that insurance isn’t cheap, but neither is replacing a roof or hood. I’d rather pay a little every month than get stuck with a $5k repair bill. Out of curiosity, has anyone actually had a hail blanket save their car from serious damage? Or is it just marketing hype?


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(@yoga_sam)
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Never actually seen a hail blanket hold up to big hail, to be honest. I tried one of those “heavy duty” covers a couple years back because my old Civic was parked on the street—figured it was better than nothing. It definitely helped with the tiny stuff, but when we got golf ball-sized hail, the thing just tore right through. Still ended up with dings all over the hood and roof.

I get wanting to save money, but after that, I just upgraded my insurance to full coverage. Wasn’t cheap, but compared to bodywork costs, it seemed like a no-brainer. The only time I’ve heard of someone avoiding damage with a blanket was during a light storm—anything more and it’s pretty much luck.

If you’re in a spot that gets hammered by hail every year, I’d say insurance is the safer bet. Those blankets feel like wishful thinking most of the time... at least in my experience.


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bearchessplayer
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Had a similar situation with my old Accord a few years back—tried one of those padded covers and honestly, it was useless against anything bigger than pea-sized hail. Ever since, I’ve stuck with comprehensive insurance. Out of curiosity, did anyone here ever actually see a blanket work during a serious storm? Feels like they’re mostly for peace of mind, not real protection.


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jackr55
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Tried the ol’ “blanket over the car” trick once when I got caught camping in Nebraska. Here’s how it went: Step 1, frantically throw every towel and sleeping bag over the hood. Step 2, realize you look like you’re prepping for a car-themed slumber party. Step 3, watch golf ball hail laugh at your efforts. End result? Dents everywhere and a soggy blanket. I’m with you—insurance is the only thing that’s actually saved my ride from hail carnage. Those covers are more like emotional support blankets than real armor.


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hiker14
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I’ve always wondered if those car covers or blankets actually do anything, and your story pretty much confirms my suspicions. I mean, I get the urge to try *something* when you see hail coming, but it sounds like the only thing that really gets protected is your peace of mind (and maybe not even that, judging by the soggy blanket situation).

I’m in the middle of shopping for insurance right now, and honestly, it’s kind of a headache. I keep seeing “comprehensive” thrown around, but then you hear about people thinking they’re covered and then… surprise, nope. Makes me wonder if it’s all just fine print and luck. Still, after hearing about cars getting totaled by hail and people left with nothing but dents and regrets, I’m starting to think paying a little extra for the right coverage might be worth it. At least more than trusting a pile of towels to save my car from Mother Nature’s mood swings.


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